ISSUE 11.14
Copy Works CONNECTION Issue 11/14 1
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DONNA BENGERT Editor 403.504.0011
OREST TKACHYK
About the Cover
Cenotaph located in Riverside Veterans Memorial Park. Photo taken by Donna Bengert.
Sales 403.878.3260
RAY BINDR
Sales 403.502.2860
RON SLEEVA Sales 403.504.0011
AMANDA WALLACE MATTHEW POWER Graphic Design
Phone: 403.504.0011 Fax: 403.504.0041 116, 3030-13 Ave S.E. Medicine Hat, AB, T1B 1E3 For a complimentary subscription to the Connection Magazine forward your Email to: copyworksconnection@gmail.com Designed and printed by Copy Works Design and Gifts copyworksconnection.com Disclaimer: No responsibility can be taken by the Copyworks Connection Magazine for errors or omissions contained herein. Furthermore, responsibility for any losses, damages or distress resulting from adherence to any information made available through this magazine is not the responsibility of the Copy Works Connection or Copy Works Design and Gifts. The opinions expressed are those of the authors and do necessarily reflect the views of Copyworks Connection.
in this Feature
Medicine Hat Retirement Villa 4-5
Family
Golden Fall and Brilliant Stars 6-7 Building Homes, Building Hope in Medicine Hat 8-9 Madi 10 Coin Collecting 12-15
Health
Chasing Sleep 18-19
I
ssue
Events
Medicine Hat Entertainment Watch 20-21 Praise FM 22-23
Business Drew Barnes 26-27
Managing your Money 30-31 B Digital and B Seen 32
Jokes, Quotes 16, 25
Directory 34
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Medicine Hat
V illa RETIREMENT
Evan Davis
It's the home away from home. It's like being with family and friends. Food is great! Location downtown is good if you need banking or just want to shop around. I am at the villa as a respite resident.
Don Hart
I have lived in the villa for 9 months now and find it next to living at home. I think the cooks have a way to your heart through their variety of good old home cooked meals like we had at home. There are many knowledgeable people of our age living here. People of all walks of life. People that tell of their work and life in the early days. 4 Copy Works CONNECTION Issue 11/14
The staff is very obliging and make you feel you are in a safe environment. I feel I made a good choice by coming here, so I hope I can help others feel the same way.
Bob Block
Home away from home! and then some. As a resident you will find - as I did• Cozy space, utilities included, very satisfying and frequent meals- with a home and flavour served in an attractive dining room and kitchen-available for residents and their guests • A most rewarding location in downtown Medicine Hat with access to all commercial services and recre-
Feature
L
ocated in the heart of the downtown- the Medicine Hat Retirement Villa, is within easy walking distance of the downtown and it's varied assortment of retail businesses and restaurants. The Villa has become well known for attending to the individual needs of the residences. There is a reading room with reader and fireplaces for relaxing with a book or magazine. We offer regular fitness classes and a fitness room aimed at increasing strength and mobility for the residences. Our friendly staff are always willing to help people.
ational facilities. • A trained and thoroughly attentive staff which include cleaning people for your room. • Plentiful parking for residents and guests • A feeling that you are in your own home, rather than just a cog in a strange residence • Companionship with other residents and trained staff • Sharing space in a very well designed and maintained buildingboth indoors and exterior • A most attractively sized operation -not too big, not too small, so that you can always feel that you are an important part of the operation.
“
Home away from home! and then some.
”
-Bob Block
• A feeling that your feelings and ideas are always welcome, and if feasible, will be acted upon. • A pendant service that keeps you in full contact with special staff around the clock. • A security service to give you a feeling of safety and help at all times. • A communication system between all involved on a regular basis. • A clients "Bill of Rights" and list of "Responsibilities" so that you are always sure of where you are and should be. • Menus approved by a dietician and always changed and rarely monotonous.
Stop by the Medicine Hat Retirement Villa anytime for a tour or to register your loved ones to live. Phone 403-977-1363 or goldkey4@telus.net Copy Works CONNECTION Issue 11/14 5
written by Corlaine Gardner
Autumn in the prairies brings early sunsets, migrating birds, and school classes in full swing. This can be a beautiful time of year! Our cottonwoods glow with golden leaves, giving an impression of being lit from within. Shrubs add rusts, oranges, and reds to the colours in our parks and along the coulees. A walk through the
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rustling leaves is bound to bring back memories. And the autumn fragrances carried by the cool air will tickle your nose. When we slow down to listen, we hear the birds. Migrating flocks of robins are
searching for snacks to fuel the next flight. Overhead, the geese are swirling, deciding whether to settle on the river or head further south. From higher still, we may hear a skein of sandhill cranes with their distinctive melody. Most sandhill cranes follow the traditional route through Saskatchewan, but we sometimes hear a few calling, so high up that we may not be able to see them. Other birds are beginning to arrive in Medicine Hat, ready to spend the winter in what they consider the sunny south! The gardens are touched by frost, with most annuals gone for the year. But tough root crops and hardy greens may still be providing delicious local dining. In the natural areas, there are still some blossoms stubbornly showing cheerful colour. Nestled in the grass, they warm in the sunshine and provide nourishment for late flying bees.
ing about the cold and the dark. But with the shorter days come long, crystal clear nights. The stars are magnificent! And the long hours of darkness provide opportunities for displays of northern lights to dance across our skies. The change of seasons is part of the joy of living on the Canadian prairies. We can mutter and complain or we can take the best of each season, and live life to the fullest. Come on down to the Nature Centre in Police Point Park. There, you can find beauty and opportunities for enjoyment all year round.
www.natureline.info
Winter days are coming, and our fall colours will be covered with a fresh coat of white. Early winter often finds us moan-
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H
aving a home is about more than having walls and a place to hang your hat. It’s about safety, security and belonging. It’s about being part of something bigger and, in Medicine Hat, it’s about being part of a community that cares. Strong communities benefit from the strengths of its individuals who come together to achieve success. Healthy communities bring people together to create something new. Caring communities have a sense of responsibility for each other. Habitat for Humanity Southern Alberta’s Medicine Hat Chapter feels this responsibility and has supported the community since 1996. The Chapter has completed its tenth home – this means ten local families have been given a hand-up to break the cycle of poverty through homeownership.
Homeownership gives families a sense of pride, along with many other benefits. It provides stability and decreases day-to-day stress. Children’s overall well-being improves, with increased confidence and higher grades in school. More than 75 per cent of Habitat homeowners report better health and financial stability according to a study done by the Canadian Mortgage and Housing Corporation in 2012. Habitat brings together partners and volunteers to build simple, affordable homes and give families a foundation for positive change. We build homes, but more importantly, we build hope and brighter futures for generations to come.
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GET INVOLVED:
Our Chapter is currently recruiting volunteers for all types of positions, including committee members, and ReStore volunteers. The Chapter is run by local volunteers who conduct their own fundraising, recruit their own volunteers and oversee their own family selection, with full support from Habitat for Humanity Southern Alberta (HFHSA).
WHO QUALIFIES:
There are three criteria a family must meet to qualify for a Habitat home: 1. In need of affordable housing 2. Ability to repay a Habitat mortgage 3. Willingness to partner with Habitat
HFHSA is based in Calgary, Alta., with Chapters in Medicine Hat, Brooks, Mountain View County and the Foothills Municipal District. To date, it has served more than 250 families and continues to grow and expand its reach into local communities.
Homeowner applications are available at the Medicine Hat ReStore at 509 - 17 St. SW. Please call (403)504-5043 ext. 104 to inquire.
If you would like to volunteer with our organization, please contact Roxanne at (403)504-5043 ext. 103 or rcarnelli@ habitatsouthern.ab
Homeowners must contribute 500 hours of volunteer labour, called “sweat equity,� towards the building of their home. Families purchase their homes through a no-down-payment, no-interest mortgage. The money collected through their payments goes into a revolving fund, which is used to build more homes for more families.
www.habitatsouthernab.ca
HOW IT WORKS:
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Family
E V L O R L I I G T T E R A Madi’s Grandpa shaved off his beard for Rett Syndrome awareness. Little Madi’s Grandpa, Ron shaved off his beard of 40 years, which had been dyed purple to promote awareness of Rett Syndrome Shanna of Shear Innovations shaved off Grandpa’s beard. The fundraiser was very successful and also attended by Mayor Clugston. Entertainment was supplied by Bob Donaldson of NKI Entertainment. A big thank you to the Medicine Hat Co-op, Shear Innovations and NKI Entertainment and of course Madi’s Grandpa. Anyone wishing to donate may do so at Shear Innovations in the Medicine Hat Co-op.
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Why do people collect stuff? The answer seems to be in primeval cultural living. For most people saving for a rainy day is normal. People may collect paintings, hockey cards, trains, silverware, jewellery, stamps, etc. and you soon get caught up in the rush of finding that certain item you are missing. It is no different for coins.
Introduction There are several different ways of building a coin collection. Don’t get stuck on the glitter and the value of the coins, since there are far more important things to consider. When getting started don’t rush in but rather consider which country, type of coin, coin value, condition, and year of which the coins were minted. 12 Copy Works CONNECTION Issue 11/14
If you are not sure which direction you would like to go, you can always talk to someone who has experience and they would be happy and able to give you some valuable information, but most important, once completed, it will be yours and put together the way you wanted it. There is no right or wrong way to do it.
Family Where to Start
Cleaning
Once you have decided which country you would like to collect, and the preferred denomination, then it would be time to start collecting. You may want to start with any loose change around the house, and if you do not have much of that, you can go to the bank and ask for a roll of the denomination you are looking for, then individually go through each coin. You may be surprised what you find. For the beginner, start with one field (such as pennies) and complete that, then go onto the next (possibly nickels), and so on. You will find that the most recent coins will be easy to find, and can be purchased at face value. As you need to find the older coins, you may find, you will have to pay more than face value to obtain them.
It is very important that you keep your coins in a safe place, free from contamination and atmospheric conditions. Humidity is not good for coins. Some eager beavers are inclined to polish old coins to make them new again. This is totally wrong and could devalue the coin. If you choose to clean your coins, the only thing I recommend is soak the coins in warm soapy water (mild dish soap like Dawn etc. etc.), then rinse the coins, and use a soft towel to remove unwanted blemishes or marks. If this does not work, leave the coin as it is, anything more will devalue the coin. Using anything stronger than dish soap may pit the coin.
Purchasing Coins
There are different ways of storing a collection, however many people find the standard 3-ring binder with the 2”x2” flips the most practical and inex-
Sometimes a family hand me down, shows up on the internet or auction. If you are looking to buy, you must be very cautious and don’t pay too much. Make sure you do research first. Just because the ad may say “rare” that may not be the case. It might be rare to the sellers as they may not have seen it before, but could be common among the coin collectors. Again if you are not sure, ask someone who knows. These coins are called circulation coins, as they are made for circulation. A very popular year, and catches the eye of almost everyone is the 1967 coins (100 anniversary of Canada), which have the different animals on each of the coins. The penny has the dove, the nickel has the rabbit, the dime has the mackerel fish, the quarter has the bobcat, the fifty cent has the howling wolf, and the dollar has the Canada goose.
Storage
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pensive compared to other methods. The 2 x 2 are good as you can make notes on the cardboard and not have it affect the viewing of the coin, and you can place 20 flips in 1 sheet of 8 ½ x 11. These supplies can be found at any coin dealer in your area. There are also several other methods of storage: capsules, storage boxes, card master albums, and folders. Anyone of these will work just fine, as the important thing is to protect them from any further damage.
Collector Coins For the most advanced collector, collector coins may be what they want. These coins are coins that have been made at the Ottawa mint. (Circulation coins are made at the Winnipeg mint.) Collector coins come in all denominations including the 3 cent, $3.00, $4.00, $5.00, $8.00, $10.00, $15.00, $20.00, $25.00 and so on. These coins have been placed in encapsulated holders at the mint, and are sealed, and come in a box with a certificate of authenticity (COA), and each containing an individual number. The coins will have a “MS” grade, and would not have been handled or scratched by being in someone’s purse or pocket. We should be very proud of our mint as they are able to produce exceptional coins which have been distributed to dozens of countries around the world. Every coin tell s a story whether it is a 100 anniversary (eg: war of 1812) or of some event or a recent happening (eg: 4 generations of the Queen). There are many series of coins such as the bird series, train series, plain series, dinosaurs series, snowflake series, and on and on. These type of coins may tell the same story as your son or grandson playing soccer. Not only may you want to purchase that coin for themselves but 14 Copy Works CONNECTION Issue 11/14
they make excellent gifts at birthday or Christmas. With this type of coin given to someone as a gift, that person will have a tendency of keeping it longer than a trophy or plaque.
Value of Coins To evaluate coins it takes time and experience, along with the help of books, to do a proper job. Do not rely on prices on EBay. You can see a coin, worth $25.00 placed on eBay for sale from $25.00 to $150.00. Not only is filling all the holes of all the missing years, but the hunt is on for finding the one that is worth some big money. Some of the coins which have been bringing a lot of money are: 1936 penny with a dot ($275,000.00); 2000p and 2005p (set your price, only (2 known); 1925 & 1926 far nickel ($100.00); 1969 dime with a large date ($12,000.00); 1947 quarter with a dot ($50.00); 1973 quarter with large bust ($100.00); 1921 fifty cents ($20,000.00) and the 1948 silver dollar ($900.00). The coins do not have to be real old to be worth something. The typical dealer has spent literally thousands of hours learning about varieties, how to grade coins, making relationships with other collectors and dealers, and at the same time keeping track of supply and demand. If you want to make money on coins be prepared to spend a year or two learning everything you need to know about the coins you have. You can make money in coins, just as you can in antiques, stamps, fine arts, cars, etc. The best information that you can receive is from Canadian Coin News magazine, and it is published every 2 weeks. To find all the different varieties of coins obtain the Canadian Charlton Standard Catalogue, Volume 1 and 2. This catalogue also explains the grading system and how to grade. These
books and magazines can be purchased at your local coin dealer.
History of Each Coin Every coin that has been produced by the mint has a story. From the bluenose on the circulation dime to the collector coins that the mint makes each month. Each collector coin comes with a story about the coin whether it be an anniversary of some event or a highlight in time. Make sure that when purchasing a collector coin that it comes with the description, and history of the coin along with the quantity minted and Certificate of Authenticity.
More Information The above coins, supplies, magazines, books, folders, etc. can all be purchased within the Kanada Trading Store, at the Co-op Mall on 13th Avenue between 1 PM and 2 PM daily or any other time by appointment. If you have any questions, or would like to pursue the hobby of coin collecting feel free to give a call and I would be glad to help, Ron Schmidt 403-458-0301
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Jokes Airman Jones was assigned to the induction center, where he advised new recruits about their government benefits, especially their GI insurance. It wasn't long before Captain Smith noticed that Airman Jones was having a staggeringly high success-rate, selling insurance to nearly 100% of the recruits he advised. Rather than ask about this, the Captain stood in the back of the room and listened to Jones' sales pitch. Jones explained the basics of the GI Insurance to the new recruits, and then said: "If you have GI Insurance and go into battle and are killed, the government has to pay $200,000 to your beneficiaries. If you don't have GI insurance, and you go into battle and get killed, the government only has to pay a maximum of $6000. Now," he concluded, "which group do you think they are going to send into battle first?"
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One of my husband's duties as a novice drill instructor at Fort Jackson, S.C., was to escort new recruits to the mess hall. After everyone had made it through the chow line, he sat them down and told them "There are three rules in this mess hall: Shut up! Eat up! Get up!" Checking to see that he had everyone's attention, he asked, "What is the first rule?" Much to the amusement of the other instructors, 60 privates yelled in unison, "Shut up, Drill Sergeant!"
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by Dr. Jason Schnieder
As we get older, our sleep becomes more disrupted and non-rejuvenating. We find ourselves having a difficult time falling asleep, wake up many times through the night or sleep through the night but wake up feeling like we never slept a wink. If our quantity and/or quality of sleep becomes less and poorer, we will come under many physical, mental and emotional deficits that will affect every aspect of our lives.
3
Sleep problems may indicate a deeper issue lurking under the surface. This deeper issue can affect our very own survival. It all starts with our adrenal glands and a stress hormone that they produce called cortisol. Cortisol has the opposite rhythm of melatonin. Cortisol is highest in the morning when we wake up and then begins to decline until it reaches its lowest point (typically between 8-10pm) when we should be getting tired [Diagram 1: green area]. As life progresses and we encounter many stresses, either big or small, our adrenal glands begin to make more cortisol to handle the increased stress load. Our body adapts by elevating cortisol in the evening making it difficult to fall asleep [Diagram 2: black area. The longer we stay in this elevated cortisol 18 Copy Works CONNECTION Issue 11/14
Health state (adrenal exhaustion), our sleep at night becomes lighter and we begin to wake up more with greater difficulty falling back asleep and feel tired in the morning. Eventually our adrenal glands throw in the towel and cannot keep up this elevated cortisol level, so they dramatically decrease cortisol production (adrenal fatigue). This decrease in production results in that feeling like you never slept and you are fatigued all day long regardless of how much you slept the night before [Diagram 3]. Treating sleep issues, one must address stress management which in turn will balance cortisol. This sounds easy but it isn’t. Why? First, one must determine what stage of adrenal dysfunction they are in. If this is not determined
correctly, the wrong adrenal support will be used causing negative results. Secondly, the nervous system must be balanced. If the nervous system is not addressed, it will continue to stress the adrenal glands creating a vicious cycle. Thirdly, any other internal or external stressor must be reduced to ensure rapid adrenal repair and a return of proper sleep cycle. And finally, one must correct sleep hygiene habits. Pharmaceutical medications for sleep do not address underlying cortisol issues and will result in a temporary sleep effect with the side effect of feeling groggy the next day and dependency. Please exhaust all your available options before considering this method for sleep.
Dr. Jason Schnieder is a registered member of The College of Naturopathic Doctors of Alberta since 1999. He practices in Medicine Hat, AB full time and is the only Naturopathic Doctor (ND) in south east Alberta. For more information about Dr. Schnieder’s practice contact his office at (403) 487-0327.
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MEDICINE HAT Entertainment Watch! written by Bob Donaldson President, NKI Entertainment Ltd. Hey Medicine Hat, are you ready to laugh hysterically? Well, get ready. Medicine Hat’s own Stephanie Foley will be going head to head with Lethbridge comic, Randy Webb in an old fashion “Battle of the Sexes”. This will be a comedic look at love, life, childbirth and family from a
man vs women’s point of view. Hosted by Bob Donaldson with special guests Patrick Danger. Come on out and enjoy an evening of great comedy. This performance will also be a DVD taping. So get ready to laugh!. Come out and support our home town girl take on the bad boy
from Lethbridge (Boo!!). Watch this epic battle take place at the Esplanade Studio Theatre on Saturday, November 22, 2014 at 8 PM. Cost to see this battle of wits is $10.00 plus s/c, GST Here is a look at our local talent that is involved with this unique show.
vs
STEPHANIE FOLEY
Home grown girl, Stephanie Foley has done it all in the entertainment industry. Most recently is the host of her own show, aptly named “The Stephanie Foley Show”. Already into season 2 with guests ranging from comedians to actors to musical icons! In the past she has written, directed, acted in movies and hit television shows (I won’t mention the name…but it may be Heartland). She is going to go head to head with….
RANDY WEBB
Hailing from Lethbridge, Randy Webb has a unique view on life. Known in his circles as StandupSexy…you will see why when you look at his photos that he will sign for you (you will have to ask him to see them). He does charge for his photo, but he gives the money to charity. Him and Stephanie have known each other for years and have different viewpoints about life…which will make this “Battle of the Sexes” extremely eye-opening.
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Entertainment PATRICK DANGER 2014 has been a banner year for the young Medicine Hat comedian. He has taken the comedy rooms by storm since he started earlier this year. Recently he was the subject of a full page article in the Medicine Hat News as well as in a video interview on their website. Patrick will be opening the show.
BOB DONALDSON Okay, well, this is me. I am no stranger to the stage, playing key roles in such musicals as Legally Blonde, Les Miserables and Spamalot! Just recently I opened for The Legendary Dr. Hook on his farewell tour. I will be your host for the evening.
In addition to the above talent we will also have a few surprises up our sleeve.
So, come on out to the DVD taping and enjoy laughing out loud!!!
For more information check out the Facebook page.
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937 Praise FM presents "Love & The Outcome" in Medicine Hat Friday, November 28th, 7pm at Hillcrest Church! The opening act is local recording artist Lisa Waites, who is also the Ecumenical Campus MInistry Chaplain at Medicine Hat College. Tickets are $20 each. $5 from each ticket will be going to the Medicine Hat College Ecumenical Campus Ministry, which supports not only students at Medicine Hat College, but also supports faculty and staff. Thanks to our sponsors for this awesome concert: Harley Davidson of Medicine Hat, 20/20 Vision Care, B Digital Ads and SpeedPro Signs! Tickets on sale NOW at tixx.ca, 502-8777 or at Medicine Hat Mall Customer Service.
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• Take-Out • Party Service • Catering • Home Delivery We serve Halal Meat
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P. 403.526.0966 F. 403.526.0916 B103 - 2201 Box Springs Blvd NW Medicine Hat, AB
Quotes
"A good battle plan that you act on today can be better than a perfect one tomorrow."
Sudoku
Gen George S. Patton
"Any ship can be a minesweeper ... once." Admiral Hornblower Militar
y Quote
"Bravery is being the only one who knows you're afraid." David Hackworth Links to other MMilitary Quoteilitary
"Don't ever be the first, don't ever be the last, and don't ever volunteer to do anything." US Navy Swabbie
"Five-second fuses only last three seconds." Infantry Journal Military Qu
ote
"Freedom is the right to be wrong, not the right to do wrong." John G. Riefenbaker
"If your attack is going too well, you have walked into an ambush." Infantry Journal
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DREW BARNES MLA Cypress - Medicine Hat
N
o matter what spin the PCs come out with, the proof is in the pudding. In this case, the pudding is the Wildrose recent FOIP on Federal Building expenses and 11th floor change orders. Last week the Wildrose Party released information that shows the true extent of the PC government’s spending on the planned luxurious 11th floor suite, also known as the ‘SkyPalace’, that was to be built for former Premier Allison Redford. The facts are quite alarming. To date, the PC government has issued 96 change orders directly for the
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11th floor that have totaled $2,088,000. This is part of a wider list of changes that has seen the total expenditure on change orders alone, for the Federal Building, approach $70 million. What value is the taxpayer seeing, you might ask? Well, the answer is: not much. On top of the $173,100 that was spent on architects for the redesign of the 11th floor lay out, our recent FOIP has uncovered some baffling costs. For example, $43,000 was spent on stone and porcelain floor and wall tiles to give the SkyPalace the feel of a swanky New York hotel. $97,385 was billed for
Business custom millwork and $45,555 was the final price for this floor’s draperies. Furthermore, $25,851 was spent on paint and vinyl wall coverings – clearly Alberta home-owners and this PC government are shopping at different places!
battle. No hard feelings there! Minister McIver was at the helm of Infrastructure when, in January this year, he claimed that the SkyPalace change order had been fully reversed and all work was immediately cancelled.
The Auditor General’s (AG) report on the SkyPalace from August 2014 showed us that very little was changed. The AG went as far as saying the “…2012 floor plan (on building the Premier’s lavish suite) continues to be built.” The PC government might claim that the purpose of the 11th floor has now changed but the fact remains that with a click of the fingers, the SkyPalace could be once more. The authorities told the AG that the floor would be utilized as side-by-side rooms for meeting, rather than residential space. There is little doubt in my mind that the 11th floor will remain ‘exclusive’ – it will simply be a meeting facility for government insiders and powerbrokers. Soon, we will be calling it the Federal Building “SkyBar.”
Premier Prentice promised Alberta that he would end the pandemic culture of entitlement that is so evident in this PC administration. However, shuffling two Ministers out of the SkyPalace spotlight and putting them in charge of over $2.4 billion of taxpayer funds does not suggest there has been any real change at all. We are just seeing more of the same. The new Infrastructure Minister, Manmeet Bhullar, continues to go down the path of denial. He claims that there are only $239,500 in associated costs for the 11th floor, including 2012 design fees, and not a further nickel will be spent. We can read and count Minister, and we are pretty sure the people of Alberta can too. The time has come for the PC government to take full responsibility for the extravagant expenses related to the SkyPalace.
The cost is not the only issue of concern with this fiasco. Premier Prentice, who is yet to be elected by the good people of Alberta, has decided to reward those responsible for letting this abuse of power take place. Minister Drysdale was responsible for the Federal Building at the time of the 2012 change orders that would see a SkyPalace built. He has been quietly left with the post of Minister of Transportation after, under the interim Premiership of Minister Hancock, he held both Infrastructure and Transportation ministries. Similarly, Minister McIver has been taken out of the spotlight and awarded the portfolio of Jobs, Skills, Training and Labour in the wake of the PC party leadership
As the Wildrose Infrastructure Critic, I will continue to seek the truth and demand a full explanation from those currently involved, and those in the past, in the Federal Building redevelopment. As your local MLA of two years, I welcome your feedback and invite you to get in contact with me through my office at 403-528-2191 or at cypress.medicinehat@assembly.ab.ca. Should you need help or assistance on any provincial matters, my office is always ready to help. Find me on Facebook or follow me on Twitter @DrewBarnesMLA.
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2015 12 Month Personalized Calendar
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Business
Group Disability Insurance Gaps You have group disability insurance at work and that’s a good thing – but will it fill all your financial gaps should a disability keep you from earning a living?
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Know what you have and what you need Group disability insurance plans are offered by employers and you also have the option of purchasing individual coverage directly from an insurer. Start by reading your employee benefits booklet to understand exactly what your group insurance plan covers and where the gaps are. For example: • Check the definition of disability. This is very important: Some plans cover only a total disability with no provision for a partial disability – meaning that if your doctor clears you to return to work for only limited hours each day, you could lose all your disability benefits. As well, many group disability benefits cease after two years if you can perform the duties of any gainful occupation for which you are suited. • Check the benefit caps. Many plans replace 60 to 70% of income but are subject to maximum limits based on your income. Therefore, your Group disability plan may not replace the level of income you need. • Check the taxes. If your employer pays any portion of your disability insurance premiums, any payments you receive will be subject to income tax. When you pay the premiums, there are usually no tax consequences on benefit payments to you. (source: Canada Revenue Agency’s Interpretation Bulletin IT-428) • Check the portability. If you change jobs (and most Canadians tend to have a number of jobs over their lifetime) and your group plan is owned by your employer, might not offer the ability to convert your group coverage to a personal plan. On the other hand, an individual disability policy that you own and pay for is fully por-
table and non-cancellableas long as you pay the premiums. • Check the possibility of changes. With a group plan, disability definitions and benefits may change and premiums may increase at any time. With individual insurance, the terms and conditions can’t be changed once the policy is in force and premium rates are guaranteed not to increase before your 65th birthday unless you choose to adjust your coverage. When you depend on your own ability to generate an income, you need adequate disability insurance. Talk to your professional advisor or insurance specialist about coverage designed for your individual situation. This column, written and published by Investors Group Financial Services Inc. (in Quebec – a Financial Services Firm), presents general information only and is not a solicitation to buy or sell any investments. Contact your own advisor for specific advice about your circumstances. For more information on this topic please contact your Investors Group Consultant. Insurance products and services are distributed by I.G. Insurance Services Inc. (in Quebec – a Financial Services Firm). Insurance licence sponsored by The Great-West Life Assurance Company outside of Quebec.
Submitted by Tony Zuback (403) 504-3048 1324 Southview Drive SE Medicine Hat, AB
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B digital and B seen
The holiday season is fast approaching and there is no better time of year for a sweet deal. BDigital Ads wants to see your festive side, by hosting a digital advertising package starting at $99.99. Create a digital holiday greeting for your business in three simple steps.
BdigitalADS Choose your screen – locations in the Medicine Hat Mall food court, Jacaranda Walk-in Clinic, For Sale By Photo as well as the Co-op Mall food court
Build your ad – send us everything from visual aids, logos, contact and location information, etc. Be seen- with traffic counts as high as 270,000 and growing with Santa Claus coming to the mall, get your business the most attention this holiday season!
Create your personalized holiday ad starting at $199.99 Sign up for a year and reduce your rate to $99.99 a month, including 3 ad productions free of charge and a personalized holiday greeting. Follow us on Twitter for more #tweetdeals @BDigitalAds 32 Copy Works CONNECTION Issue 11/14
Copy Works CONNECTION Issue 11/14 33
Business Directory AUTOMOTIVE Autos R Less .................... 403 526 2907 1209 TransCanada Way S.E.
GOVERNMENT Drew Barnes .................... 403 528 2191 5 - 1299 Trans Canada Way S.E.
CROSSROADS LIQUOR STORE 958 - 16th St. SW Medicine Hat, AB (403) 487-5540
HEALTH Dr. Jason Schnieder ........ 403 487 0327 105A, 266 - 4 Street S.W. Laurie Hamilton ................ 403 526 2463 340 Maple Avenue S.E.
DESIGN AND PRINTING Copy Works Design and Gifts .......................... 403 504 0011 116, 3030 - 13 Avenue S.E.
ACCOUNTANT Hildenbrand & Co. .......... 403 526 6667 202, 578-3rd Street S.E.
ADVERTISING Praise FM .......................... 403 529 9599 206, 1741 Dunmore Rd. SE BDigitalAds ........................ 403 529 0011 Medicine Hat Mall
COMPUTER SERVICE
RESTAURANTS
Gigasoft Computers ......... 403 487 5707 116, 3030 - 13 Avenue S.E.
Kebab Express ............. 1 84 GET KEBAB 1, 1335 Trans Canada Way S.E. Spice Route......................... 403 526 0966 B103 - 2201 Box Springs Blvd NW Skinny’s Smokehouse ...... 403 928 7886 44 3rd Street N.E.
FINANCIAL
403 487 5707
116, 3030 - 13 Avenue S.E. Medicine Hat, AB
GROCERY Medicine Hat CO-OP ........ 403 528 6600 116, 3030 - 13 Avenue S.E.
HOME DECOR Nest Home Décor and Flooring ...................... 403 526 3776 740 Division Ave. N.
Investors Group, Tony Zubak ......................... 403 504 3048 1324 Southview Drive S.E.
COMMUNITY Medicine Hat Retirement Villa .................... 403 977 1363 530 - 4 Street S.E. Interpretive Centre .............. 403 529 6225 Box 2491 Habitat for Humanity ............ 403 504 5043 509 17 Street SW
WEDDING Reflections .......................... 403 458 2788 reflectionswc@hotmail.com 34 Copy Works CONNECTION Issue 11/14
NOW OPEN MENU STARTER SAMOSAS Vegetable Samosa Chicken Samosa
$3.99 $4.99
Beef Samosa Onion Bhaaji
$4.99 $4.99
KX’S POPULAR COMBO KEBABS (served with bread, salad & rice) Shish Kebab (Beef) Chicken Tikka Fish Tikka Tandoori Chicken Goat Kebab Kalmi Kebab Persian Kebab (Beef)
$12.99 $14.99 $10.99 $19.99 $18.99 $14.99 $14.99
Shish Kebab (Chicken) Murgh Malai Kebab Beef Souvlaki Paneer Tikka (Veg) Lamb Kebab Adana Kebab Persian Kebab (Chicken)
$12.99 $16.99 $18.99 $14.99 $18.99 $14.99 $14.99
KEBAB PLATTERS Includes your choice five kind of Kebabs
$34.99
LUNCH SPECIALS (11 am-2pm) Beef Steak Roll Beef Souvlaki Roll Beef Kebab Roll Curry & Rice
$9.99 $9.99 $9.99 $9.99
Butter Chicken & Rice Chicken Kebab Roll Curry & Chips Butter Chicken & Chips
$9.99 $9.99 $9.99 $9.99
A LA CARTE (Mughal) Butter Chicken Chicken Curry Beef Aloo Curry Palak Goat Dahl Fry Chicken Biryani Lamb Biryani Aloo Mutter Shahi Paneer
$12.99 $14.99 $14.99 $18.99 $9.99 $14.99 $18.99 $9.99 $14.99
Gajar ka Halwa
$4.99
Kadhai Chicken Beef Curry Goat Curry Dahl Makhni Mix Vegetables Beef Biryani Goat Biryani Paneer Masala Gobi Aloo
$12.99 $14.99 $18.99 $9.99 $9.99 $14.99 $18.99 $14.99 $9.99
DESSERT Rasmalai
$4.99
1-1335 Trans Canada Way S.E. Medicine Hat, AB (Across from Rona)
Copy Works CONNECTION Issue 11/14 35
DR. JASON SCHNIEDER Naturopathic Medicine
#105A, 266 – 4th Street, SW Medicine Hat, AB
403.487.0327
http://DrJason.ca
Medicine Hat’s ONLY Naturopathic Doctor 36 Copy Works CONNECTION Issue 11/14